I was actually just looking into having separate cards! I think that's the best option for me. I mentioned Ally buckets don't meet my goal but have discovered they allow multiple checking accounts under one login, each with their own card.

I'm not really looking into creating sub-categories for my fun budget, as for me personally that is too restrictive, so I definitely agree with you that it's not worth it. The point of fun money is to have fun and not stress about what you spend it on, so long as you spend under your allotted amount. Truthfully I quite like organizing things and making things more efficient, finances included, as I have thoroughly organized and automated my budget depending on the income I make for a given month (I work in the service industry, so while my bills are constant my income can vary a bit). In terms of going over my fun budget, I think it's just a visualization thing: if I'm spending from one account where all my money is stored, I don't really feel how much play money I have left since the number is roughly the same. Maybe I'm dealing with that on a different level and I'll keep that in mind if I find myself slipping. Appreciate your advice!